Representative Example Product price - £480 Delivery price - £69 Amount of deposit payable - £69 Total amount of credit - £480 Loan term - 48 months Annual rate of interest - 0% fixed Monthly repayment - £10 Cost of credit - £0 Total Amount payable - £480 Representative Annual Percentage Rate – 0% Trustpilot Before you apply Our application shouldn’t take you long. To complete it you’ll need to give us some information about you, so it would be worth having it ready. Your address history for the last 3 years. Your employment and income information. Your debit card, bank account number and sort code.